<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995
<PERIOD-END>                               MAR-31-1996             DEC-31-1995
<CASH>                                          34,946                  39,166
<INT-BEARING-DEPOSITS>                           6,703                 267,776
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                          15,989                  28,713
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                      1,720,117               2,024,310
<ALLOWANCE>                                     13,336                  13,729
<TOTAL-ASSETS>                               1,944,414               2,510,635
<DEPOSITS>                                   1,023,906               1,092,989
<SHORT-TERM>                                   650,032               1,070,815
<LIABILITIES-OTHER>                             79,418                  60,261
<LONG-TERM>                                     88,129                 192,467
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        78,110                  51,981
<OTHER-SE>                                           0                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 102,930                  94,102
<INTEREST-LOAN>                                 45,194                 120,244
<INTEREST-INVEST>                                2,185                   6,630
<INTEREST-OTHER>                                 2,141                   2,608
<INTEREST-TOTAL>                                49,520                 129,482
<INTEREST-DEPOSIT>                                   0                       0
<INTEREST-EXPENSE>                              36,783                  95,728
<INTEREST-INCOME-NET>                           12,737                  33,754
<LOAN-LOSSES>                                    1,500                   5,450
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 27,168                  61,180
<INCOME-PRETAX>                                 17,057                  24,130
<INCOME-PRE-EXTRAORDINARY>                       8,616                  14,193
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     8,616                  14,193
<EPS-PRIMARY>                                      .49                     .82
<EPS-DILUTED>                                      .49                     .81
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                     37,181                  30,988
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                 1,323                     870
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                13,729                  16,824
<CHARGE-OFFS>                                    1,921                   3,106
<RECOVERIES>                                        28                      11
<ALLOWANCE-CLOSE>                               13,336                  13,729
<ALLOWANCE-DOMESTIC>                            13,336                  13,729
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0